Bloody hell, you type out that massive list of bad points then you still call him a gift horse?! Read your cons list again and pretend you're best friend said all this to you. What would you tell her?
He's only had one relationship in his life, he doesn't seem to be that into you, he doesn't make you feel like he's got any affection for you, he's shit in bed, you're on edge around him, despite him painting himself as perfect boyfriend, he lets you pay for everything despite him having way more money (he should at least pay his share) wants to spend all his time talking about dark subjects and doesn't know how to have fun, doesn't respect your wishes re railroading you into meeting his parents. Even his good points are making me feel unsettled. Especially the bit about you both having the same goals, uncannily so. Is he mirroring you?
Even though I know this, I keep blame myself for what I feel is a lack of connection in our interactions
what's happened to you in the past to blame yourself for this? He's the one who has only had one relationship, why on earth would this be your fault?
But he doesn't often express how he actually feels about me, or why. He expresses his affection, I guess, through wanting to spend lots of time together, but even this feels a little intense / out of kilter with our level of emotional intimacy.
Huge red flag. This guy has red flags all over him to be honest. You seem to come over like you don't think you're good enough for him, or you need to fix him. You've been together 3 months. That's nothing. I've got chocolate in my cupboard I've had longer than that. He ain't a gift horse. He's the old nag you need to send to the knackers yard. You're the gift horse. You sound kind, and generous, and empathetic. You're also going after what you want with the egg freezing. You pay your own way.
Maybe write a list. What is your ideal boyfriend. Then how many of those boxes does he tick?
You are way, way, way too good for this guy. Don't waste your life on him. Your gut instinct is the most important guide you have. Trust it.